Debt. Collection: What Happens If I Get Sued? Advancing Human Rights and Justice for All in Maryland since Debt. Collection
|
|
- Harold Powell
- 8 years ago
- Views:
Transcription
1 Debt Collection Debt Collection: What Happens If I Get Sued? color logo :: PMS 1807c MLA :: PMS 1807 spot translated to 4-color process :: c:0/m:100/y:96/k:28 Advancing Human Rights and Justice for All in Maryland since 1911
2 Maryland Legal Aid: Who We Are Who should read this brochure? This brochure was prepared by the Maryland Legal Aid, a non-profit organization dedicated to providing high quality legal advocacy to protect and advance human rights for individuals, families, and communities. We want you to know your rights This brochure contains general information about your rights, but it is not meant to be legal advice. We make every effort to keep this information up to date. However, the law sometimes changes. If you want information about your specific situation or if you have a pending legal case, you should contact Maryland Legal Aid or another attorney. This brochure is for people in Maryland with unsecured consumer debt who want to know what happens if they get sued. Unsecured consumer debt includes most credit cards, medical bills, and personal loans. The information in this brochure does not apply to secured debts, such as mortgages or car loans, debts over $30,000, MLA :: 1-color debts logo owed :: PMS 1807c to the government, such as taxes or student loans, child support debts, or court ordered restitution. If you are sued for these types of debts, you should contact Maryland Legal Aid or another attorney for advice. A Lawsuit is Filed How will I know I ve been sued? You will receive a Complaint and Summons, including a Notice of Intention to Defend, from the court. The Complaint tells you who is suing you, the reason you are being sued, and how much the person or company MLA :: PMS 1807 spot translated to 4-color process :: c:0/m:100/y:96/k:28 who is suing you claims you owe. The person who sues you is called the Plaintiff. 2 3
3 The Summons is usually attached to the front of the Complaint form. It tells you when and where your trial will be held. The Notice of Intention to Defend is the form you use to tell the court you want to attend the trial and tell your side of the story. The Notice of Intention to Defend is usually the bottom half of the Summons, but sometimes it is on a separate page. What should I do after I receive the Complaint and Summons? If you want to have a hearing in front of a judge, you should send or take the Notice of Intention to Defend to the court. The Notice is due no later than 15 days after you receive the summons, although courts often accept it later. You don t need a lawyer to file it. If you don t agree you owe money to the plaintiff or you disagree about the amount owed, write that on the Notice of Intention to Defend. Even if you think you owe the money, or if you are not sure if you owe the money, you are entitled to make the plaintiff prove its case against you. If you agree you owe the money, you don t have to file the Notice of Intention to Defend and you don t have to appear in court for the trial. If you don t go to court for the trial, the judge will most likely decide that the plaintiff wins, and will issue a Judgment for the plaintiff. A judgment is a final court order that states whether you owe money to the plaintiff and how much you owe. You can t be arrested or jailed for not going to this type of trial. What happens after I file the Notice of Intention to Defend? You may receive a notice from the court stating that your trial date has changed. Pay close attention to every paper you receive from the court. The plaintiff may send you a list of questions called Interrogatories. You MUST answer them in writing and send them to the plaintiff. If you do not answer the interrogatories fully and on time, the judge may not let you tell your side of the story and may enter a judgment for the plaintiff. 4 5
4 In some counties, the court may tell you to come to court for a settlement conference. At the settlement conference, the attorney for the plaintiff will talk to you about settling the case, usually by having you agree to a payment plan. Sometimes the plaintiff will agree to a payment plan for less than the amount for which you were sued. You don t have to settle you have the right to a trial. The Trial What happens when I go to court? If you didn t file a Notice of Intention to Defend, you can still go to court. The judge will usually postpone the trial until a later date to allow both sides to prepare. If you filed a Notice of Intention to Defend, you will have the opportunity for a trial that day. Before the trial, the plaintiff may try to get you to settle the case by agreeing to a payment plan. REMEMBER: You do not have to agree to a payment plan and you have a right to a trial. No one, not even the judge, can require you to agree to a payment plan. Don t let the plaintiff pressure you into agreeing to a payment plan that you can t afford. What happens at the trial? The plaintiff will try to prove you owe the money, and you can tell the judge why you don t think you owe it. The plaintiff first needs to present evidence that you owe the debt. If you don t owe the debt, or the exact amount that the plaintiff claims that you owe, you should tell that to the judge. If you have any evidence, such as receipts for payments you made, take three copies with you to court and show your evidence to the judge. At the end of the trial, if the plaintiff wins, the judge will enter a judgment against you. If you win, the judge will enter judgment for the defendant (that s you). What does it mean if I get a judgment against me? A judgment against you is the decision by the judge that you owe money to the plaintiff. If you do not appeal, the judgment is final and the case is over. After the judgment is final, you can t argue that you don t owe the money. What if I disagree with the judge s decision? You have the right to file an appeal o the judge s decision. You may also file a motion asking the judge to reconsider. The time period for filing an appeal or a motion can be very short, so you should seek legal advice immediately. 6 7
5 After A Judgment is Entered What if I don t pay the judgment? If you don t pay the judgment, the plaintiff must file more papers in court to collect the money. The plaintiff may try to scare you into paying by claiming that it will take your property. However, everyone can protect at least $7,000 worth of property. If you have very little income or property, the plaintiff will not be able to take anything from you. Can a creditor get information about my income and property? After a judgment is entered against you, the plaintiff, who is now called the judgment creditor, is entitled to find out whether you have any income or property. To find out this information the creditor may: Send you a list of questions called Interrogatories. You MUST answer the questions, send the answers to the creditor, and notify the court that you answered the interrogatories. Require you to come to court and answer questions about your income and property. This is called an Examination in Aid of Enforcement or an oral examination. If you receive an order from the court about an oral examination, you must go to court on that date and time, or the judge can issue a show cause order. THIS IS IMPORTANT: If you don t go to court after you get this order, you can be arrested. The order will tell you what papers to bring to court so you can show your income and property. These papers may include your pay stubs, bank statements, the title to your car, etc. If you don t have all the papers the creditor asks for, don t worry. Simply take the papers you do have to court. Can a creditor take my wages? If a creditor has a judgment against you, it can ask the court to order your employer to garnish your wages. When wages are garnished, your employer pays a portion of your wages directly to the creditor. Your wages cannot be garnished if your disposable wages are less than 30 times the federal minimum hourly wage per week.* In any event, no more than 25% of your disposable wages can be garnished. This means that you will receive at least 75% of your disposable wages. Your disposable wages are your wages after subtracting the required deductions for federal, state, and local taxes, Social Security, unemployment insurance, state employee retirement systems, and health insurance. * This means your wages can t be garnished if you make less than $ per week. 8 9
6 What does it mean for property or income to be exempt? When property or income is exempt, that means creditors can t legally take it. Sometimes you need to tell the court that the property is exempt by filing a motion with the court. Can a creditor take my Social Security or government assistance? No. Government benefits are protected from creditors. This means creditors can t legally take them. Even if the funds have been deposited into a bank account, they are protected, or exempt. Some examples of different types of income that are protected from creditors are: Social Security benefits; Supplemental Security Income (SSI); Social Security Disability Income (SSDI); Most retirement or pension plans; Most deferred benefit annuities; Most private disability benefits; Veterans benefits of any kind; Workers Compensation; Unemployment benefits; Life insurance proceeds this does not include inheritance; Public assistance of any kind, including Temporary Cash Assistance. Can creditors take my personal property, like my furniture or clothes? If a creditor has a judgment against you, it can ask the court to have the sheriff take or levy some of your personal property. Then the creditor can ask that the sheriff sell this property and pay the money from that sale to the creditor. It is very unusual for a creditor to try to sell your personal property because it costs more to sell it than the property is worth. If a creditor tries to sell your property, you can protect, or exempt, at least $7,000 worth of property by filing a motion with the court. The value of your property is the fair market value, which is the money you could get for the property, in its current condition, if you sold it at an estate or yard sale. It is NOT what you paid for the property. What if I own a house? If a creditor has a judgment against you, and you own a house or other real estate, the creditor can get a lien on the property. Once a creditor gets the lien, it can take steps to 10 11
7 sell your house, but this is rare. You will get a notice from the court if the creditor wants to sell your house. Most creditors will not try to sell your house because it is expensive for them to do so and they know that they will get paid when you sell your house. What if I receive child support or alimony? Child support is protected from creditors and alimony is protected up to the same amount as wages. Can the creditor take the money in my bank account? If a creditor has a judgment against you, it can ask the court for the money in your bank account. If this happens, the bank may freeze your account and pay the money to the creditor. However, if the money in your account is from Social Security, SSI, or Veterans benefits which are directly deposited into the account, two months worth of benefits are automatically protected and will not be frozen or turned over to your creditor. In addition, you can protect up to $6,000 and certain other government or retirement benefits by filing a motion with the court. What if my bank account gets frozen? How can I protect my property in court? If a creditor files papers with the court to try to take the money in your bank account or other property, you may need to file a motion with the court stating that you want to keep the property because it is exempt. You do this by filing a form called Motion for Release of Property From Levy/Garnishment or to Exempt Property From Execution. (You can get the form MLA :: 1-color from logo the :: PMS District 1807c Court or online at It is form DC/CV 36.) To complete the motion, fill in the blanks and check off the reason the property is exempt. You should file this motion right away. Some exemptions have time limits, so file this motion no later than 30 days after the date of the garnishment to get the most protection. You should contact Maryland Legal Aid or another lawyer if you need help. MLA :: PMS 1807 spot translated to 4-color process :: c:0/m:100/y:96/k:
8 Common Terms You Should Know Complaint: The form used to start a lawsuit. Creditor: The person or company to whom you owe money. Defendant: The person who gets sued. Examination in Aid of Enforcement: A court hearing in which you answer questions from the creditor about your income and property. Exempt or Exemptions: Property or income that creditors cannot legally take or that you can protect by filing a motion with the court. Garnishment: An action by a creditor to take some of your wages or money in your bank account. Interrogatories: A list of questions from the creditor that you must answer. Notice of Intention to Defend: The form to tell the court you want to attend the trial and tell your side of the story. Judgment: A final court order that states whether you owe money to a creditor and how much you owe. Plaintiff: The person or company who sues you; also known as the creditor. Summons: The form that says when and where the trial will be held. Where can I get help? Contact your local Maryland Legal Aid office (listed on the back) if you need legal advice. For cases filed in District Court, you may contact the District Court Self-Help Resource Center at (410) or mdcourts.gov/district/ selfhelpcenter/home.html. Rev
9 16 17
10 Maryland Legal Aid Offices Anne Arundel County 229 Hanover St Annapolis, MD (410) (800) Baltimore City 500 East Lexington St Baltimore, MD Telephone Intake Lines: (410) (866) MD LAW 4U (or ) Business Line: (410) (800) Baltimore County 29 W. Susquehanna Ave Ste 305 Towson, MD (410) (877) Lower Eastern Shore Dorchester, Somerset, Wicomico, Worcester 111 High St Salisbury, MD (410) (800) Metropolitan Maryland Howard, Prince George s 6811 Kenilworth Ave Calvert Building, Ste 500 Riverdale, MD (301) (888) Howard County 3451 Court House Dr 2nd Floor Ellicott City, MD (410) Midwestern Maryland Carroll, Frederick, Washington 22 S. Market St, Ste 11 Frederick, MD (301) (800) Montgomery County 600 Jefferson Plaza Ste 430 Rockville, MD (240) (855) Northeastern Maryland Cecil, Harford 103 S. Hickory Ave Bel Air, MD (410) (800) Southern Maryland Calvert, Charles, St. Mary s Prince Frederick Rd P.O. Box 249 Hughesville, MD (301) (877) Upper Eastern Shore Caroline, Kent, Queen Anne s, Talbot 106 N. Washington St Ste 101 Easton, MD (410) (800) Western Maryland Allegany, Garrett 110 Greene St Cumberland, MD (301) (866) District Court Self-Help Resource Center (410) Annapolis (call center only) Glen Burnie 7500 Gov. Ritchie Highway Room 206 Glen Burnie, MD Upper Marlboro Main St Upper Marlboro, MD Statewide Farmworker Program (800) Foreclosure Legal Assistance Project (888) Long Term Care Assistance Project (866) Maryland Senior Legal Helpline (866) Veterans Hotline (443) TTY Users: Call Maryland Relay, Dial Visit for self-help legal information and community resources. For more information visit. 18
Bankruptcy: What You Need to Know in Maryland
Bankruptcy Bankruptcy: What You Need to Know in Maryland MLA :: 1-color logo :: PMS 1807c Advancing Human Rights and Justice for All in Maryland since 1911 Maryland Legal Aid: Who We Are This brochure
More informationHomeowners and Foreclosure
Foreclosure Homeowners and Foreclosure MLA :: 1-color logo :: PMS 1807c Advancing Human Rights and Justice for All in Maryland since 1911 Maryland Legal Aid: Who We Are Maryland Legal Aid is a private,
More informationInvoluntary Discharges and Transfers from
Nursing Home Residents Involuntary Discharges and Transfers from Nursing Homes: Know Your Rights MLA :: 1-color logo :: PMS 1807c Advancing Human Rights and Justice for All in Maryland since 1911 Maryland
More informationA GUIDE TO LEGAL SERVICES IN MARYLAND 2014 BRANCH OFFICE SUPPLEMENT
A GUIDE TO LEGAL SERVICES IN MARYLAND 2014 BRANCH OFFICE SUPPLEMENT Branch Office Supplement provided by: The Pro Bono Resource Center of Maryland 520 W. Fayette Street, Suite 300 Baltimore, MD 21201-1756
More informationState of Maryland Department of Human Resources
State of Maryland Department of Human Resources Mail-In Application for Qualified Medicare Beneficiary (QMB) and Specified Low-Income Medicare Beneficiary (SLMB) Programs Dear Applicant: In this packet
More informationOwner PO Box Property Manager
MARYLAND DEPARTMENT OF THE ENVIRONMENT Land Management Administration Technical Services and Operations Program PO Box 23660, Baltimore, MD 21203-5660 (410) 537-4199 1-800-776-2706 mde.leadreg@maryland.gov
More informationObtaining Protective Orders and Peace Orders
Domestic Violence Programs in Maryland Allegany County Hotline: 301-759-9244 TTY: 301-759-9244 Family Crisis Resource Center: 301-759-9246 Anne Arundel County Hotline: 410-222-6800 YWCA Domestic Violence
More informationImportant Information About... Provided By: Ellen W. Cosby, Trustee Baltimore, MD
Important Information About... Provided By: Ellen W. Cosby, Trustee Baltimore, MD What is Chapter 13? 2 Important Dates 3 Important Parties 6 Contacting the Trustee's Office 10 Plan Payments 12 Some Notes
More informationPOST-JUDGMENT COLLECTION HOW TO COLLECT YOUR JUDGMENT IN THE DISTRICT COURT OF MARYLAND
POST-JUDGMENT COLLECTION HOW TO COLLECT YOUR JUDGMENT IN THE DISTRICT COURT OF MARYLAND TABLE OF CONTENTS Introduction... 1 Steps in the Post Judgment-Collection Process Step 1: Finding the Defendant
More informationADMINISTRATIVE RELEASE. Maryland Income Tax. Administrative Release No. 21
Maryland Income Tax ADMINISTRATIVE RELEASE Administrative Release No. 21 Subject: Income Tax Treatment of Employee Contributions under the Maryland Pension Pickup Program I. Background Membership in the
More informationClaiming your exempt funds in a bank account garnishment
Claiming your exempt funds in a bank account garnishment You ve been garnished. Your bank has frozen funds in your bank account in order to pay a judgment that was sent by a creditor. This packet provides
More informationWHEN THE CREDITOR SUES, WHAT ARE MY RIGHTS?
LEGAL AID CONSUMER FACT SHEET # 2 -------------------------------------------------------------------------------------------- WHEN THE CREDITOR SUES, WHAT ARE MY RIGHTS? Important Note: The following
More informationYour Land and Your Highways
Maryland Department of Transportation State Highway Administration Your Land and Your Highways Your Rights and Benefits Guide Maryland Department of Transportation State Highway Administration Office of
More informationClaiming your exempt funds in a bank account garnishment
Claiming your exempt funds in a bank account garnishment Georgia Legal Services Program You ve been garnisheed. Your bank has frozen funds in your bank account in order to pay a judgment that was sent
More informationA CITIZEN S GUIDE: YOUR RIGHTS AFTER A SMALL CLAIMS JUDGMENT
A CITIZEN S GUIDE: YOUR RIGHTS AFTER A SMALL CLAIMS JUDGMENT This Guide explains the procedures for collecting on a Small Claims judgment. Getting a judgment in a Small Claims case is just half the battle
More informationPayroll DeltaFlex Product Suite
Date: November 5, 2013 Information source(s): Websites: Office of the Comptroller of Maryland Tax Table Information - Maryland Payroll DeltaFlex Product Suite http://taxes.marylandtaxes.com/business_taxes/business_tax_types/income_tax/
More informationCOLLECTING A MONEY JUDGMENT
NEW JERSEY JUDICIARY COLLECTING A MONEY JUDGMENT Superior Court of New Jersey Law Division Special Civil Part Collecting a Money Judgment page 1 If money is owed you because you have been awarded a judgment
More informationA Guide to. Small Claims Court
A Guide to Small Claims Court Legal Aid of North Carolina, Inc. November 2013 Anyone 18 or over has the right to start a lawsuit in the North Carolina court system. If the lawsuit is for a claim of $10,000
More informationHealth Insurance Partnership. Enrollment Update
Health Insurance Partnership Enrollment Update January 1, 2010 Introduction During the 2007 Special Session, Governor O Malley proposed and the General Assembly enacted legislation to extend medical coverage
More informationDEBT: GARNISHMENT & EXECUTION
DEBT: GARNISHMENT & EXECUTION How Does a Creditor Collect a Debt? Sometimes, the person or company to whom you owe money will go to court. They will ask for a court order to make you pay your debt. For
More informationVoting in Maryland. Maryland State Board of Elections. 151 West Street, Suite 200 Annapolis, MD 21401. P.O. Box 6486 Annapolis, MD 21401-0486
Maryland State Board of Elections 151 West Street, Suite 200 Annapolis, MD 21401 P.O. Box 6486 Annapolis, MD 21401-0486 Phone: 1-800-222-8683 www.elections.state.md.us Voting in Maryland 2011-2012 Voter
More informationMaryland Grants Coalition August 21, 2015
Maryland Grants Coalition August 21, 2015 Allegany County Joy Blankenship Grants Accountant Allegany County Public Schools 108 Washington Street Cumberland, Maryland 21502 Phone: 301-759-2018 Fax number:
More informationDebt Collection. I. Know Your Rights:
Debt Collection [ADVOCATE: Give caller advice per script. Read Bankruptcy Script if Appropriate. Check case acceptance list and refer to appropriate office for more services.] [ADVOCATE: If caller is requesting
More informationIMPORTANT NOTICE YOUR FUNDS HAVE BEEN LEVIED. The Creditor has frozen money in your account at your financial institution.
STATE OF MINNESOTA COUNTY OF DISTRICT COURT JUDICIAL DISTRICT (Creditor) (Debtor) (Financial institution) IMPORTANT NOTICE YOUR FUNDS HAVE BEEN LEVIED The Creditor has frozen money in your account at your
More informationDebt Collection. Federal Trade Commission consumer.ftc.gov
Debt Collection Federal Trade Commission consumer.ftc.gov If you re behind in paying your bills, or a creditor s records mistakenly make it appear that you are, a debt collector may be contacting you.
More informationHealth Insurance Partnership
Health Insurance Partnership Enrollment Update Prepared by the Maryland Health Care Commission January 1, 2015 Introduction During the 2007 Special Session, Governor O Malley proposed and the General Assembly
More informationREAD THIS NOTICE CAREFULLY
JUSTICE COURT, LAS VEGAS TOWNSHIP Clark County, Nevada Name and Address of Plaintiff(s) Case No. Department No. (Plaintiff s(s ) Telephone Number) VERSUS Name and Address of Defendant NOTICE OF EXECUTION
More informationHealth Insurance Partnership
Health Insurance Partnership Enrollment Update Prepared by the Maryland Health Care Commission January 1, 2013 Introduction During the 2007 Special Session, Governor O Malley proposed and the General Assembly
More informationMissouri Small Claims Court Handbook. The Missouri Bar Young Lawyers' Section
Missouri Small Claims Court Handbook The Missouri Bar Young Lawyers' Section TABLE OF CONTENTS I. INTRODUCTION TO THE SMALL CLAIMS COURT...1 Page II. THINGS TO CONSIDER BEFORE BRINGING A CLAIM...1 A. WHO
More informationDebt Collection LEGAL SERVICES. Know Your Rights. - What you can do. - What bill collectors can (and cannot) do. Consumer Law Project for Elders
Are you 60 or over? If yes, free legal assistance is available. If you have a debt collection or other consumer problem, please call CONSUMER LEGAL SERVICES SELF HELP SERIES Consumer Law Project for Elders
More informationIf you do not understand this information, please contact an attorney.
INSTRUCTIONS FOR COLLECTING A JUDGMENT AND COMPLETING A WRIT OF GARNISHMENT These standard instructions are for informational purposes only and do not constitute legal advice about your case. If you choose
More informationHOW TO SURVIVE GARNISHMENT
HOW TO SURVIVE GARNISHMENT Todd Murray The Todd Murray Law Firm, PLLC 800 Washington Ave N Suite 704 Minneapolis, MN 55401 (612) 284-4141 todd@toddmurraylaw.com IMPORTANT INFORMATION PLEASE READ THIS FIRST
More informationWHAT LEGAL HELP IS AVAILABLE IF I CAN'T AFFORD TO HIRE AN ATTORNEY?
RESOURCES WHAT LEGAL HELP IS AVAILABLE IF I CAN'T AFFORD TO HIRE AN ATTORNEY? Pro bono services are legal services provided by attorneys who are volunteering their time "pro bono publico," or "for the
More informationPreschool Special Education Coordinators
Preschool Special Education Coordinators Allegany County Baltimore City Dee Blank Colleen Duffy Child Find Specialist, IMCIT Allegany County Public Schools Baltimore City Public Schools P.O. Box 1724 200
More informationBringing Health Coverage to Your Communities
Webinar for Faith Leaders: Bringing Health Coverage to Your Communities June 16, 2015 A service of Maryland Health Benefit Exchange Maryland Health Connection Our Mission: To make health insurance affordable
More informationMaryland Administrative Office of the Courts Circuit Court Alternative Dispute Resolution Practitioners
Maryland Administrative Office of the Courts Circuit Court Alternative Dispute Resolution Practitioners Application to be Listed for Designation as an ADR Practitioner Providing Non-Mediation ADR Services
More informationDebt Collection From the Debtor s Perspective. A Few Facts About the Debt Burden of American Households. Debt Facts 8/14/2013
Debt Collection From the Debtor s Perspective Linda Cook Senior Staff Attorney Ohio Poverty Law Center lcook@ohiopovertylaw.org 2013 Ohio Poverty Law Center A Few Facts About the Debt Burden of American
More informationLandlords AND. Tenants. Tips on Avoiding Disputes
Landlords AND Tenants Tips on Avoiding Disputes MARYLAND ATTORNEY GENERAL S OFFICE Consumer Protection Division J. Joseph Curran, Jr., Attorney General 1 From the Attorney General Dear Consumer: Agood
More informationSOUTH CAROLINA BAR. Consumer debt and the law
SOUTH CAROLINA BAR Consumer debt and the law D o you owe someone money? Having trouble paying off your debt? This brochure can help you understand your rights as a consumer debtor. WHAT HAPPENS IF YOU
More informationWHAT BANKRUPTCY CAN T DO
A decision to file for bankruptcy should only be made after determining that bankruptcy is the best way to deal with your financial problems. This brochure cannot explain every aspect of the bankruptcy
More informationBankruptcy/Debt Collection
Bankruptcy/Debt Collection [ADVOCATE: Give caller advice per script. Check case acceptance list and refer to appropriate offfice for more services.] I. Explain Judgment Proof Judgment proof means you have
More informationINSTRUCTIONS FOR COLLECTING A JUDGMENT AND COMPLETING A WRIT OF GARNISHMENT
INSTRUCTIONS FOR COLLECTING A JUDGMENT AND COMPLETING A WRIT OF GARNISHMENT These standard instructions are for informational purposes only and do not constitute legal advice about your case. If you choose
More informationHow to Inform a Debt Collector You Are Collection-Proof
How to Inform a Debt Collector You Are Collection-Proof Note: Use these instructions and letter to inform a creditor or debt collector that they cannot use a court judgment to make you pay a debt, because
More informationSMALL CLAIMS COURT INFORMATION
Clark County District Court SMALL CLAIMS COURT INFORMATION INTRODUCTION The Small Claims Department of District Court allows a person or business with a legal dispute to sue without hiring an attorney.
More informationMaryland Administrative Office of the Courts Business and Technology Case Management Program
Maryland Administrative Office of the Courts Business and Technology Case Management Program Application to be Listed for Designation as a Business and Technology Mediator Pursuant to Maryland Rule 17-107
More informationDoc Name/Path : G:\CPD\hamerj\annual report\2014 Annual Report\Final\2014 Annual Report Final.wpd Revised/Printed : December 1, 2015
Doc Name/Path : G:\CPD\hamerj\annual report\2014 Annual Report\Final\2014 Annual Report Final.wpd Revised/Printed : December 1, 2015 STATE OF MARYLAND OFFICE OF THE ATTORNEY GENERAL 2014 ANNUAL REPORT
More informationSMALL CLAIMS PROCEDURE
INDEX WHO CAN BE SUED IN SMALL CLAIMS Pg. 1 RESTRICTIONS ON CLAIM AMOUNTS Pg. 1 FILING FEES Pg. 1 OTHER LEGAL OPTIONS Pg. 1 HOW DO I FILE A CLAIM Pg. 2 WHERE SHOULD I FILE A SMALL CLAIM Pg. 2 WHAT HAPPENS
More informationWilliams Bankruptcy A Debt Relief Agency helping people eliminate debt and obtain relief under Chapter 7 of the Bankruptcy Code
A Publication of the Law Office of Richard L. Williams Williams Bankruptcy A Debt Relief Agency helping people eliminate debt and obtain relief under Chapter 7 of the Bankruptcy Code Tips for Questionnaire
More informationGENERAL INSTRUCTIONS For Use with All DOM REL Forms
Please read these instructions before you file your papers. These instructions may contain some legal words that are not familiar to you. A list of common legal words and their definitions is attached.
More informationClaim for Exemptions Kit
Claim for Exemptions Kit Individual North Dakota law provides debtors with specific rights in protecting property from levy and other collection processes. Filing a Claim for Exemptions is a response to
More informationSOCIAL SECURITY OVERPAYMENTS:
SOCIAL SECURITY OVERPAYMENTS: RESPONDING TO A NOTICE THAT SAYS YOU HAVE BEEN OVERPAID This document contains general information for educational purposes and should not be construed as legal advice. It
More informationInstructions and Forms
Instructions and Forms Divorce: No Children Court Personnel Cannot Help You Fill out the Form(s) in this Packet. You may only use these forms if your answer to all of the following statements is "yes"
More informationStopping a Florida Garnishment Using the "Head of Family" Exemption
Stopping a Florida Garnishment Using the "Head of Family" Exemption Introduction: If a judgment is entered against you by a court, your wages or bank account may be taken from you to pay the judgment.
More informationUNITED STATES BANKRUPTCY COURT SOUTHERN DISTRICT OF FLORIDA
UNITED STATES BANKRUPTCY COURT SOUTHERN DISTRICT OF FLORIDA NOTICE PURSUANT TO FLORIDA STATUTE 77.041 TO DEFENDANT OF RIGHT AGAINST GARNISHMENT OF WAGES, MONEY AND OTHER PROPERTY The Writ of Garnishment
More informationThe Goodman Law Firm, P.A. 1 Dana Street, 4th Floor P.O. Box 7523 Portland, ME 04101
The Goodman Law Firm, P.A. 1 Dana Street, 4th Floor P.O. Box 7523 Portland, ME 04101 Fax: (207) 772-2778 www.goodmanlawfirm.com Tel: (207) 775-4335 joseph@goodmanlawfirm.com What Is Bankruptcy? ANSWERS
More informationWhat Does Bankruptcy Mean to Me?
What Can Bankruptcy Do for Me? Bankruptcy may make it possible for you to: Eliminate the legal obligation to pay most or all of your debts. This is called a discharge of debts. It is designed to give you
More informationMaryland Circuit Courts Health Care Malpractice Claims ADR Program Application
Maryland Circuit Courts Health Care Malpractice Claims ADR Program Application Pursuant to Maryland Courts and Judicial Proceedings ( CJ ) Code Ann., 3-2A-06C, the Court is required to order parties in
More informationState of Maryland Department of Human Resources
State of Maryland Department of Human Resources Mail-In Application for Qualified Medicare Beneficiary (QMB) and Specified Low-Income Medicare Beneficiary (SLMB) Programs Dear Applicant: In this packet
More informationPART II Is this a transfer of real property subject to agricultural transfer tax? (YES NO )
CERTIFICATE OF CONVEYANCE PART I 1. Location of land being conveyed: (Include name of county or Baltimore City) 2. Transferor: 3. Transferee: 4. Certificate of Conveyance accompanying: (Please check appropriate
More informationDebtors Rights: Dealing with Collection Agencies
0200EN Rev. 10/2014 Debtors Rights: Dealing with Collection Agencies Collection agencies are calling me nonstop. What can I do? This publication should help you understand debt collection practices and
More informationCIVIL PRACTICE AND PROCEDURE GARNISHMENT CHAPTER 77
CIVIL PRACTICE AND PROCEDURE GARNISHMENT CHAPTER 77 77.01 Right to writ of garnishment.--every person or entity who has sued to recover a debt or has recovered judgment in any court against any person
More informationDEPARTMENT OF HUMAN SERVICES SOCIAL SERVICES ADMINISTRATION 311 W. SARATOGA STREET BLATIMORE, MARYLAND 21201
DEPARTMENT OF HUMAN SERVICES SOCIAL SERVICES ADMINISTRATION 311 W. SARATOGA STREET BLATIMORE, MARYLAND 21201 DATE: January 30, 2014 POLICY #: SSA# 14-13 TO: Directors, Local Departments of Social Services
More informationCIRCUIT COURT OF JACKSON COUNTY, MISSOURI
CIRCUIT COURT OF JACKSON COUNTY, MISSOURI COURT ADMINISTRATOR'S OFFICE SMALL CLAIMS BOOKLET SMALL CLAIMS COURT FILINGS Western Jackson County (Kansas City, Grandview) Jackson County Courthouse 3rd Floor
More informationDHR TO PROVIDE UP TO $2,000 TO FAMILIES FOR POST ADOPTION SERVICES Pilot Program eligibility requirements expanded
MARYLAND DEPARTMENT OF HUMAN RESOURCES Maryland s Social Services Agency PUBLIC NOTICE DHR TO PROVIDE UP TO $2,000 TO FAMILIES FOR POST ADOPTION SERVICES Pilot Program eligibility requirements expanded
More informationRestitution Basics for Victims of Offenses by Juveniles
Restitution Basics for Victims of Offenses by Juveniles If you are the victim of an offense committed by a youth under the age of 18, you have a right to be repaid for losses that resulted from the offense.
More informationBankruptcy may make it possible for you to:
A decision to file for bankruptcy should be made only after determining that bankruptcy is the best way to deal with your financial problems. This brochure cannot explain every aspect of the bankruptcy
More informationRestitution Basics for Victims of Crimes by Adults
Restitution Basics for Victims of Crimes by Adults If you are the victim of a crime, you have a right to be repaid for losses that resulted from the crime. This booklet will help you understand: How to
More informationK.2 Answers to Common Bankruptcy Questions
Adapted from Consumer Bankruptcy Law and Practice, 10 th Edition, National Consumer Law Center, copyright 2012. Used by permission. K.2 Answers to Common Bankruptcy Questions A decision to file for bankruptcy
More informationCreditor Lawsuits Handbook
Creditor Lawsuits Handbook In Magisterial District Court A Handbook for people dealing with creditor lawsuits, including information on such suits and common defenses. Revised July 2009 Introduction This
More informationBANKRUPTCY SOME FREQUENTLY ASKED QUESTIONS AND ANSWERS
BANKRUPTCY SOME FREQUENTLY ASKED QUESTIONS AND ANSWERS 1 You should file for bankruptcy only after carefully deciding that bankruptcy is the best way to deal with your financial problems. This pamphlet
More informationNYC Bankruptcy Assistance Project
NYC Bankruptcy Assistance Project A Project of Legal Services for New York City Answers to Common Bankruptcy Questions A decision to file for bankruptcy should be made only after determining that bankruptcy
More informationParents should call the Maryland Customer Care Call Center at 1-800-332-6347.
Maryland Office of Child Support Enforcement Administration for Children & Families U.S. Department of Health and Human Services Changing a Child Support Order in Your State The information below applies
More informationLandlords AND. Tenants
Landlords AND Tenants Tips on Avoiding Disputes Contents Application Fees...2 Leases...3 Rent Receipts...5 Security Deposits...6 Right to Take Possession at Beginning of Lease...11 Lease Renewals...12
More informationLandlords AND. Tenants
Landlords AND Tenants Tips on Avoiding Disputes Contents Application Fees...2 Leases...3 Rent Receipts...5 Security Deposits...6 Right to Take Possession at Beginning of Lease...11 Lease Renewals...12
More informationThe CNMI Division of Revenue and Tax s Collection Process Keep this publication for future reference
DIVISION OF REVENUE AND TAXATION COMMONWEALTH OF THE NORTHERN MARIANA ISLANDS Post Office Box 5234 CHRB Saipan, MP 96950 Tel. (670) 664-1000 What You Should Know About The CNMI Division of Revenue and
More informationCurrent Status of Pro Bono Service Among Maryland Lawyers, Year 2012
Final Report: Current Status of Pro Bono Service Among Maryland, Year 2012 NOVEMBER 27, 2013 SUBMITTED BY: ANASYS, INC. TABLE OF CONTENTS EXECUTIVE SUMMARY i I. INTRODUCTION 1 II. GENERAL PRACTICE CHARACTERISTICS
More informationI m behind in my mortgage payments, what should I do?
FORECLOSURES This handout was prepared by Legal Services of Greater Miami, Inc.(LSGMI) with support from the Institute for Foreclosure Legal Assistance. LSGMI represents homeowners in foreclosure and homeowners
More informationWhat Is Small Claims Court? What Types Of Cases Can Be Filed In Small Claims Court? Should I Sue? Do I Have the Defendant s Address?
SMALL CLAIMS COURT What Is Small Claims Court? Nebraska law requires that every county court in the state have a division known as Small Claims Court (Nebraska Revised Statute 25-2801). Small Claims Court
More informationDebtors Rights: Dealing with Collection Agencies
Debtors Rights: Dealing with Collection Agencies Are you being contacted by debt collection agencies? This publication should help you understand debt collection practices and your rights when dealing
More informationPost Judgment Exemptions & Protections. Post Judgment Exemptions & Protections: Review & Update. When Do Post Judgment Protections Apply?
Post Judgment Exemptions & Protections Wisconsin exemptions currently found under Wis. Stat. section 815.18-815.20, are intended to advance the humane purpose of preserving to debtors and their dependents
More informationGarnishment & Other Withholding Documents: Processing Procedures
Garnishment & Other Withholding Documents: Processing Procedures Handout #1: Training Presentation and Terms/Definitions TRAINING PRESENTED BY THE OFFICE OF THE ATTORNEY GENERAL UPDATED NOVEMBER 2003 OFFICE
More informationMARYLAND SMOKE-FREE CAMPUSES
MARYLAND SMOKE-FREE CAMPUSES Jurisdiction Municipality Smoke-Free Area Policy Allegany Cumberland Allegany of Maryland Anne Arundel Baltimore City Thomas B. Finan Brandenburg Lois Jackson Unit Joseph S.
More informationMaryland 1. Dependent Public School Systems (39) Maryland ranks 46th among the states in number of local governments, with 265 as of June 2002.
Maryland Maryland ranks 46th among the states in number of local governments, with 265 as of June 2002. COUNTY GOVERNMENTS (23) The entire state is encompassed by county government with the exception of
More informationRICK A. YARNALL Chapter 13 Bankruptcy Trustee for the United States Bankruptcy Court District of Nevada
CHAPTER 13 THE THIRTEEN (13) MOST COMMON QUESTIONS and ANSWERS Prepared for: Your Case Number is: YOUR FIRST PAYMENT IS DUE ON Payments are due on the day of each month thereafter. Your Trustee is: RICK
More informationSmall Claims Court Information provided by Oregon State Bar http://www.osbar.org/public/legalinfo/1061_smallclaims.htm
Community Alliance of Tenants Tenant Education Information is for general information purposes only, and is not a substitute for the advice of an attorney Small Claims Court Information provided by Oregon
More informationChapter 7 Bankruptcy: What You Need To Know
Revised 12/00 Chapter 7 Bankruptcy: What You Need To Know What is bankruptcy? Bankruptcy is the legal process that discharges debts. This means you get a court order protecting you from the people you
More informationSpecial Report: IRS Tax Lien
Special Report: IRS Tax Lien TAX PLANNING AND IRS DEFENSE C a l l T o d a y! 540-438- 5344 What an IRS Tax Lien is and How it Works What is Inside? Why the IRS Files a Notice of Federal Tax Lien IRS Tax
More informationUpdated September, 2006
Updated September, 2006 The Self Help Legal Center Southern Illinois University School Of Law Carbondale, IL 62901 (618) 453-3217 2 TABLE OF CONTENTS Table of Contents 2 Disclaimer 3 Warning to all readers
More informationHealth Insurance Partnership. Enrollment Update
Health Insurance Partnership Enrollment Update January 1, 2009 Introduction Over the past two years, Maryland has made important strides in providing health care coverage to uninsured citizens. During
More informationSmall Claims Handbook A citizen s guide to handling small claims complaints in Kentucky
Small Claims Handbook A citizen s guide to handling small claims complaints in Kentucky Provided by the Kentucky Administrative Office of the Courts and the Kentucky Office of Attorney General Small Claims
More informationSubsidy Enrollments among Accredited Child Care Providers in Maryland
Subsidy Enrollments among Accredited Child Care Providers in Maryland November 18, 20 Prepared for the Division of Early Childhood Development Maryland State Department of Education John Spears and Merve
More informationNEW YORK STATE DEPARTMENT OF FINANCIAL SERVICES PROPOSED 23 NYCRR DEBT COLLECTION
NEW YORK STATE DEPARTMENT OF FINANCIAL SERVICES PROPOSED 23 NYCRR DEBT COLLECTION.1 Definitions. For the purposes of this Part: (a) Clear and conspicuous means that the statement, representation or term
More informationhousing answers for residents of public housing falling behind in the rent Benefits Plus Learning Center Fighting Poverty Strengthening New York
housing answers for residents of public housing falling behind in the rent Benefits Plus Learning Center Fighting Poverty Strengthening New York The Community Service Society of New York (CSS), a non-partisan
More informationChapter 13 Bankruptcy Filing Process
Chapter 13 Bankruptcy Filing Process Let us now turn our discussion to the process of bankruptcy. Although over 1.6 million people file bankruptcy every year, enough to fill every major stadium in the
More informationFAMILY INVESTMENT ADMINISTRATION NATIONAL VOTER REGISTRATION ACT (NVRA) MANUAL
FAMILY INVESTMENT ADMINISTRATION NATIONAL VOTER REGISTRATION ACT (NVRA) MANUAL Issued 07/10 TABLE OF CONTENTS Introduction Section Numbers 100 Summary 200 Voter Registration Coordinators and Site Coordinators
More informationSMALL CLAIMS COURT IN ARKANSAS
SMALL CLAIMS COURT IN ARKANSAS Note: The information contained in this publication is designed as a useful guide to remind you of your rights as a citizen of this state. You should not rely totally on
More informationA Comparison Study of Real Estate Tax Closing Costs in Maryland, Northern Virginia, and Washington, D.C.
A Comparison Study of Real Estate Tax Closing Costs in Maryland, Northern Virginia, and Washington, D.C. For the by Frederick E. Flick, Ph.D. Kristine Weilbacker Hanson, M.U.R.P. April 2007 EXECUTIVE SUMMARY
More informationJanuary 9, 2006. The Self Help Legal Center. Southern Illinois University School Of Law Carbondale, IL 62901 (618) 453-3217
January 9, 2006 The Self Help Legal Center Southern Illinois University School Of Law Carbondale, IL 62901 (618) 453-3217 2 TABLE OF CONTENTS Table of Contents 2 Disclaimer 3 Warning to all readers 4 Who
More informationIN THE DISTRICT COURT OF SEBASTIAN COUNTY WRIT OF GARNISHMENT SMALL CLAIMS CIVIL DIVISION PLAINTIFF: DEFENDANT: GARNISHEE:
GARNISHMENT CASE NUMBER STATE OF ARKSANSAS Sebastian County Greenwood Division IN THE DISTRICT COURT OF SEBASTIAN COUNTY GREENWOOD DIVISION WRIT OF GARNISHMENT SMALL CLAIMS CIVIL DIVISION PLAINTIFF: DEFENDANT:
More informationMaryland, like several states in the Mid Atlantic, has a two tier judicial structure at the trial level.
Maryland Debt Collection Laws Submitted Thomas A. Mauro, Esq., Mauro Law Offices, P.C. www.tmaurolaw.com Published by The National List of Attorneys www.nationallist.com Thomas A. Mauro is the senior member
More information